Are you sending out invitations (written or digital?).
Why not write something on the invitations? If you want or expect cash, say something like "shūgi gratefully accepted". If you say that and the recipient is still too obtuse to pick up on it, then maybe don't invite that person, or just accept that there will be a clueless foreigner in the crowd, and be happy that this invitee likes or respects you enough to show up at your wedding. More embarrassing for him/her than for you, and you will have enough on your hands to bother worrying about your clueless guest's embarrassment.